1. Sign-Up

    Sign-up and link your debit or credit card to the EarnSmart platform. No hassle and no fuss, you’ll be choosing your deal in 5 minutes.

  2. Invite Your Friends, Earn Cashback

    For every friend that uses your referral code at sign-up we'll thank you with the greater of $1 or 0.5% of each dollar they save, each time they reach a goal. You're friend will thank you when they start earning great deals and cashback of their own!

  3. Choose Your Goal

    Browse the list of goals and choose the one that’s right for you. Choose a cash goal, or choose to save up for a great deal offered by one of your favorite retailers or an emerging online brandor business.

  4. We’ll Help You Save, Automatically

    Each time you make a purchase with any of your linked debit or credit cards, we will automatically transfer 50 cents, $1.00, or $2.00 (based on your election at sign-up) from your checking account to your EarnSmart Account

  5. You Reach Your Goal!

    When your EarnSmart Account reaches the discounted value of the gift card, we will send you an electronic gift card for the full value (Example: When you reach the $75 deal value we send you the $100 gift card code). If you’re saving up for a cash goal, we’ll transfer your cash back to your account with a notification that you’ve successfully achieved your savings goal.

  6. You Splurge, Regret Free

    Redeem your gift card online or in store. Whether you’ve saved cash or a gift card we hope you celebrate by picking out something you’ll love, you’ve earned it!

  7. Repeat

    After you earn your goal, we will automatically start saving toward the next goal in your queue (which can be edited under “My Goals”)